WhiteBIT Nova Card
by WhiteBIT
- Monthly fee
- Free
- Card fee
- Free
- Top-up fee
- Free
- ID check
- Full KYC
- Card
- Virtual + physical
- Phone pay
- Apple Pay, Google Pay
Our verdict
The Nova Card is a competitive Visa debit option for EEA residents, with no monthly fee and potentially high cashback. It works well with Apple Pay and Google Pay, but it is fully custodial and needs full identity verification.
What we like
- +No monthly or virtual card issuance fee
- +Cashback up to 10% in selected categories
- +Apple Pay and Google Pay contactless support
- +Daily spending limit of 10,000 EUR
- +Staking rewards of up to 17.71% APR
Watch out for
- −Cashback capped at only 25 EUR a month
- −ATM withdrawals outside the EEA cost 3 EUR + 2.2%
- −Level 4 KYC with proof of address
- −Available only in the EEA and Ukraine
- −Transaction fees of up to 1% depending on merchant
6.2/10
Editor score
Fair
5.8/10
User rating
Based on 53 sources
Lv 4
KYC Level
Full KYC
Global
Availability
26 countries excluded
Card Overview
Rewards
- Cashback
- 10%
- Cashback Crypto
- BTC
- Staking Rewards
- Staking APR
- 17.71%
- Welcome Bonus
- $10
- Referral Bonus
- $50
Fees
- Monthly Fee
- Free
- Card Issuance
- Free
- ATM Fee
- 2.2%
- FX Fee
- —
- Top-up Fee
- Free
- Decline Fee
- —
Limits
- Daily Spend
- $10,850
- Monthly Spend
- $27,125
- ATM Withdrawal
- $1,085
Card Info
- Card Type
- Physical Card, Virtual Card
- Card Network
- Visa
- Apple Pay
- Google Pay
KYC Requirements
Level: Full KYC
- ✓Email verificationRequired
- ✓Phone verificationRequired
- ✓Identity documentRequired
- ✓Proof of addressRequired
- ✓Selfie verificationRequired
Community Sentiment
Community Score
5.8/10
Sourced from
Reviewers credit the low headline fees (no opening, monthly, inactivity or cancellation charges), instant virtual issuance with Apple Pay and Google Pay, spending from the exchange main balance, and cashback paid in liquid BTC or WBT. Testing found a conversion spread near 0.9-1% despite the 0% claim, and the 10% cashback tier applies only to subscriptions while groceries earn 1%. The most serious complaints involve compliance: AML freezes after deposits as small as 400 USDT, detailed source-of-wealth demands, and slow email support for complex disputes. Even simple ownership certificates can take up to seven business days. The June-July 2026 MiCA migration suspended legacy EUR cards and required EU users to re-register and re-verify with the new Austrian-licensed entity, which added to the frustration.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Ethereum, Tron, Whitechain
Frequently asked questions
Does the WhiteBIT Nova Card require KYC?
Yes. WhiteBIT asks for full kyc before issuing the card. Full verification: ID document, proof of address and a selfie or liveness check.
What fees does the WhiteBIT Nova Card charge?
The card has a monthly fee of free, an issuance fee of free, a top-up fee of free. See the fee table above for ATM and decline fees.
Does the WhiteBIT Nova Card work with Apple Pay and Google Pay?
Apple Pay is supported and Google Pay is supported, according to the issuer.
Which countries can get the WhiteBIT Nova Card?
It is available in most countries, except Afghanistan, American Samoa, Belarus, Canada, Western Sahara, Guam, Iran, North Korea, Libya, Northern Mariana Islands, Nicaragua, Northern Cyprus and 14 more.
Which cryptocurrencies does the WhiteBIT Nova Card support?
USDC, BTC, ETH, XRP, SOL, NEAR, ADA, AVAX, WBT, DOGE, EURI, EURR.
Last updated August 19, 2026, verified August 11, 2026.